US Bank Directory
Banks in Defuniak Springs, FL
6 FDIC-insured banks operate 6 offices in Defuniak Springs, Florida, and 3 credit unions have 3 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026; hours checked October 10, 2026.
Bank branch map: Defuniak Springs
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 9 banks and credit unions operate 9 locations in Defuniak Springs, according to the FDIC and the NCUA. 9 of them have coordinates on record and are on the map. 4 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
9 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Defuniak Springs
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: 6 banks share the most locations in Defuniak Springs, with 1 each. 6 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
All In Credit Union Credit union · 1
All In Credit Union has 1 office in Defuniak Springs, 6 across Florida. It is based in Daleville, AL and $3.72 billion in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Defuniak Springs1421 Us Highway 331 S, 32435
All hours
Mon to Fri 8:30 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Ameris Bank Bank · 1
Ameris Bank has 1 branch in Defuniak Springs, 51 across Florida and 177 nationwide. FDIC records list its main office in Atlanta, GA and show it operating since 1971. With $28.42 billion in total assets on June 30, 2026, it ranks No. 76 of 4,232 U.S. banks by total assets. The Defuniak Springs Branch at 138 Us Highway 90 E dates to 1968 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Defuniak Springs Branch138 Us Highway 90 E, 32433
CCB Community Bank Bank · 1
CCB Community Bank has 1 branch in Defuniak Springs, 3 across Florida and 5 nationwide. FDIC records list its main office in Andalusia, AL and show it operating since 1947. With $661.9 million in total assets on June 30, 2026, it ranks No. 1,437 of 4,232 U.S. banks by total assets. The Defuniak Springs Branch at 732 Baldwin Ave dates to 2022 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Defuniak Springs Branch732 Baldwin Ave, 32435
Community South Credit Union Credit union · 1
Community South Credit Union has 1 office in Defuniak Springs, 4 across Florida. It is based in Chipley, FL and $239.1 million in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Defuniak Branch775 Us Highway 331 S, 32435
All hours
Mon to Thu 8 am to 4 pm; Fri 8 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
PNB Community Bank Bank · 1
PNB Community Bank has 1 branch in Defuniak Springs, 3 across Florida and 3 nationwide. FDIC records list its main office in Niceville, FL and show it operating since 1986. With $155.2 million in total assets on June 30, 2026, it ranks No. 3,284 of 4,232 U.S. banks by total assets. The Defuniak Springs Branch at 1452 Us Highway 331 S dates to 2004 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Defuniak Springs Branch1452 Us Highway 331 S, 32435
Regions Bank Bank · 1
Regions Bank has 1 branch in Defuniak Springs, 270 across Florida and 1,256 nationwide. FDIC records list its main office in Birmingham, AL and show it operating since 1928. With $159.79 billion in total assets on June 30, 2026, it ranks No. 27 of 4,232 U.S. banks by total assets. The Defuniak Springs Branch at 261 Us Highway 90 W dates to 1964 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Defuniak Springs Branch261 Us Highway 90 W, 32433
Truist Bank · 1
Truist has 1 branch in Defuniak Springs, 441 across Florida and 1,931 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1872. With $548.35 billion in total assets on June 30, 2026, it ranks No. 9 of 4,232 U.S. banks by total assets. The Defuniak Springs Branch at 1104 Us Highway 331 S dates to 1904 in FDIC branch records. Its published hours do not list Saturday.
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Defuniak Springs Branch1104 Us Highway 331 S, 32435
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun closed
Hours: Truist branch locator (All The Places), checked Oct 10, 2026
Trustmark Bank · 1
Trustmark has 1 branch in Defuniak Springs, 16 across Florida and 181 nationwide. FDIC records list its main office in Jackson, MS and show it operating since 1889. With $19.19 billion in total assets on June 30, 2026, it ranks No. 109 of 4,232 U.S. banks by total assets. The Defuniak Springs Branch at 993 Us Highway 31 South dates to 2006 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Defuniak Springs Branch993 Us Highway 31 South, 32435
Walton County Teachers Credit Union Credit union · 1
Walton County Teachers Credit Union has 1 office in Defuniak Springs, 1 across Florida. It is based in Defuniak Spring, FL and $30.3 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Main Office main officeWalton County Teachers Fcu 1586 Us Highway 90 W, 32433
All hours
Mon to Fri 8:30 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Defuniak Springs
3 credit unions have 3 offices here: All In Credit Union, Community South Credit Union and Walton County Teachers Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Defuniak Springs page has every office in the state's directory.
Banking in Defuniak Springs: the local picture
Short answer: 6 banks run 6 branches in Defuniak Springs according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 6 banks, 0 have their main office in Defuniak Springs, 1 elsewhere in Florida and 5 out of state, according to the FDIC.
The bank with the longest record here is Truist, operating since 1872 according to the FDIC. In FDIC branch records, the longest-running branch is Truist's office at 1104 Us Highway 331 S, dating to 1904; the newest is CCB Community Bank's at 732 Baldwin Ave, from 2022.
3 credit unions have 3 offices in Defuniak Springs, according to the NCUA. Who can join each one is on the credit unions page.
Of the 4 locations with published hours. 1 opens on Saturday. 5 locations have no published hours in these sources.
Banks by ZIP code in Defuniak Springs
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 32435 has the most bank and credit union offices in Defuniak Springs (6), followed by 32433 (3). Offices are spread across 2 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 32435 | 6 | 6 | All In Credit Union, CCB Community Bank, Community South Credit Union |
| 32433 | 3 | 3 | Ameris Bank, Regions Bank, Walton County Teachers Credit Union |
Credit unions open on Saturday in Defuniak Springs
Short answer: 1 of the 4 Defuniak Springs locations with published hours opens on Saturday, run by 1 institution.
- Community South Credit Union: 1 of 1 office (775 Us Highway 331 S: Saturday 9 am to 12 pm)
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 5 of the 9 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Defuniak Springs, and where the nearest one is if they do not.
Short answer: In Defuniak Springs: Truist (1), Regions Bank (1). No branches in Defuniak Springs: Chase (nearest in Tallahassee, 110 mi), Wells Fargo (nearest in Santa Rosa Beach, 24 mi), Bank of America (nearest in Niceville, 24 mi), PNC Bank (nearest in Niceville, 25 mi), U.S. Bank (nearest in Sarasota, 318 mi), Fifth Third Bank (nearest in Newberry, 229 mi), Huntington (nearest in Miramar Beach, 28 mi), TD Bank (nearest in Live Oak, 189 mi), BMO (nearest in Tampa, 292 mi).
| Bank | In Defuniak Springs | Nearest branch if none here |
|---|---|---|
| Truist | 1 branch | here |
| Regions Bank | 1 branch | here |
| Chase | None | Tallahassee, 110 miles away |
| Wells Fargo | None | Santa Rosa Beach, 24 miles away |
| Bank of America | None | Niceville, 24 miles away |
| PNC Bank | None | Niceville, 25 miles away |
| U.S. Bank | None | Sarasota, 318 miles away |
| Fifth Third Bank | None | Newberry, 229 miles away |
| Huntington | None | Miramar Beach, 28 miles away |
| TD Bank | None | Live Oak, 189 miles away |
| BMO | None | Tampa, 292 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Defuniak Springs to the nearest branch in Florida.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Defuniak Springs residents like anyone else.
Banks near Defuniak Springs
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Freeport (15 miles) and Niceville (25 miles). Destin, 29 miles away, has the most banks nearby: 16.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Freeport, FL | 15 mi | 4 | 4 |
| Banks in Niceville, FL | 25 mi | 11 | 12 |
| Banks in Santa Rosa Beach, FL | 26 mi | 11 | 15 |
| Banks in Bonifay, FL | 26 mi | 2 | 2 |
| Banks in Crestview, FL | 27 mi | 8 | 8 |
| Banks in Miramar Beach, FL | 27 mi | 5 | 5 |
| Banks in Destin, FL | 29 mi | 16 | 20 |
| Banks in Shalimar, FL | 33 mi | 2 | 2 |
Bank branch openings and closings in Defuniak Springs
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Defuniak Springs between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Defuniak Springs by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Defuniak Springs offices.
Short answer: Truist is the largest bank with offices in Defuniak Springs, with $548.35 billion in total assets on June 30, 2026, No. 9 among U.S. banks by total assets. Regions Bank is second with $159.79 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Truist | $548.35 billion | No. 9 | 1 | Charlotte, NC |
| Regions Bank | $159.79 billion | No. 27 | 1 | Birmingham, AL |
| Ameris Bank | $28.42 billion | No. 76 | 1 | Atlanta, GA |
| Trustmark | $19.19 billion | No. 109 | 1 | Jackson, MS |
| CCB Community Bank | $661.9 million | No. 1,437 | 1 | Andalusia, AL |
| PNB Community Bank | $155.2 million | No. 3,284 | 1 | Niceville, FL |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Defuniak Springs: FAQ
How many banks are in Defuniak Springs, FL?
Defuniak Springs has 6 banks with 6 branches and 3 credit unions with 3 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Defuniak Springs?
Truist, with 1. Regions Bank has 1 and Ameris Bank has 1.
Is there a Truist in Defuniak Springs, FL?
Yes. FDIC data lists 1 Truist branch in Defuniak Springs as of September 5, 2026. The address and directions are under Truist above.
Is there a Regions Bank in Defuniak Springs, FL?
Yes. FDIC data lists 1 Regions Bank branch in Defuniak Springs as of September 5, 2026. The address and directions are under Regions Bank above.
Is there a Ameris Bank in Defuniak Springs, FL?
Yes. FDIC data lists 1 Ameris Bank branch in Defuniak Springs as of September 5, 2026. The address and directions are under Ameris Bank above.
Is there a Chase in Defuniak Springs, FL?
No. FDIC data lists no Chase branch in Defuniak Springs as of September 5, 2026. The nearest is in Tallahassee, about 110 miles away in a straight line.
Which banks in Defuniak Springs are open on Saturday?
Community South Credit Union publishes Saturday hours for one or more Defuniak Springs locations. The Saturday section above lists each one with its hours. 5 of the 9 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Defuniak Springs?
Truist has the longest record among banks with a branch here: the FDIC shows it operating since 1872.
Which credit unions can I join in Defuniak Springs?
All In Credit Union, Community South Credit Union and Walton County Teachers Credit Union have offices in Defuniak Springs. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Defuniak Springs in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Defuniak Springs?
Nearby cities with more banks include Freeport, Niceville, Santa Rosa Beach. Freeport is 15 miles away with 4 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 3 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Bank branch hours, phones and branch pages (1 of 6 branches: Truist) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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